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    What is a guarantor mortgage?

    A Guarantor Mortgage is a specialised type of mortgage that enables aspiring homeowners to secure a loan with the help of a guarantor to boost their borrowing capacity. The typical customer for a guarantor mortgage is someone whose income is not yet high enough to obtain the mortgage amount needed when taking the lender’s income multiples into account.

    Who can be a mortgage guarantor?

    A guarantor is typically a parent but could also be a spouse, family friend, grandparent or other relative. Who is accepted as a guarantor varies depending on the lender.

    How do Guarantor mortgages work?

    In the same case with any standard mortgage, you will need to have a deposit ready. However, in some cases, a lender can take a charge over the guarantor’s property instead.

    A repayment mortgage will typically be arranged instead of an interest-only mortgage, as most guarantor mortgages are used by first-time buyers.

    The lender will assess affordability in a similar way to a standard mortgage, although they will need to factor in the running costs of the guarantor’s home and the property being purchased. Similarly to a standard mortgage, all applicants are joint and severally liable for the mortgage, so it will show on all credit files and all applicants are responsible for maintaining payments.

    Specialist Mortgage Broker

    From over twenty years of experience arranging mortgages of every kind, our consultants have deep expertise in the finer points of the mortgage market.

    Here are some of the reasons that our clients trust us with their mortgage needs:


    We are proud to have an average rating of 4.97/5 from more than 1,800 reviews. Our friendly consultants guide you from start to finish, finding the right mortgage for you and your future. We will handle the whole mortgage application process for you.


    From mortgage broking to wider financial planning, our consultants have a strong, holistic understanding of the financial markets. They’ll use this expertise to understand the nuances of your situation – and tailor a solution that works for you.


    We’re an independent, whole-of-market broker using over 175 lenders. We have strong ties to high-street lenders, private banks, and specialist providers. That means we’re optimally positioned to find the best mortgage solution for you.

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